Even people with health insurance can still rack up significant medical debt, particularly if they get a serious illness. Now, a new service from Nerdwallet is helping steer individuals with outstanding medical debt to medical billing experts, who can help reduce those bills.

Officials with Covered California announced on Wednesday that ten insurance companies will offer plans through the state’s health insurance exchange next year. Average premium rates, however, will also increase.

Gov. Jerry Brown on Friday signed a budget for the 2014-15 fiscal year that accommodates an influx of uninsured residents into Medi-Cal yet leaves in place a 10 percent recession-era cut to most doctors, dentists and other health care providers who treat Medi-Cal patients.

While open enrollment for coverage under the Affordable Care Act is closed, many of the newly insured are finding they can’t find doctors, landing them into a state described as “medical homelessness.”